

The insurer might want to investigate the accident to determine that their customer truly was at fault. The other person’s insurer will process the claim, but don’t count on a quick payment. This is called a third-party claim: You’re the third party to the other driver and their insurance company. If someone else crashes into you, in the simplest scenario you’ll make a claim against their liability insurance. Making an Insurance Claim Against Someone Else About 3 million people are injured or killed in these car accidents, so there are a huge number of lawsuits and insurance claims every year. There are about 6 million crashes reported by police every year in the U.S., according to the National Highway Traffic Safety Administration. If Walker does make an insurance claim, she’s not alone. She’s frustrated enough to file a claim against the insurer of the car that hit her. That same driver was involved in another accident less than a month later which killed a pedestrian.Īmong the problems: She hasn’t yet received a settlement from any insurance company, she has no car and she still has to make loan payments on the Honda that’s now rusting in a recycling center. Walker considers herself lucky she wasn’t hurt. Little more than a week after she purchased her used 2006 Honda Civic, it was smashed and totaled by a hit-and-run driver who-according to the police report-zoomed through a red light.
#FILE TIME ACCIDENT INSURANCE CLAIM DRIVERS#
She proved it by navigating a school bus full of noisy and, occasionally, boisterous children on country roads and city streets for 22 years.īut even good drivers can have bad accidents. Christin Walker of Burlington, New Jersey, is a safe driver.
